Rear-ended, need advice
My car is still fairly new, less than 5 years old. Will going through insurance hurt me in terms of premiums even though I was not at fault? Seems like I am more doing him a favor but want to make sure.
Oct 7th, 2017 5:10 am
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Oct 7th, 2017 11:26 am
Further to this is, if you do decide to try and not go through insurance make sure you give him firm dates on payments and when the repair must be completed.
Oct 7th, 2017 11:32 am
This is basically the only downside to reporting to insurance. Diminished value of your car when you sell it. Otherwise insurance is the way to go. Bumper and hatch frame if bent is easily 2k+ plus rental cost, downtime, inconvenience.. Go through insurance.Evil Baby wrote: ↑ Further to this is, if you do decide to try and not go through insurance make sure you give him firm dates on payments and when the repair must be completed.
Personally, I'd just go through insurance so you don't have to waste any of your own time dealing with the guy that hit you. The only advantage for you that I can think of by avoiding insurance would be I *think* the repair would not show up on a report when you go to sell your car.
Also, if you happened to have car seat for a child in your car, insurance will pay for a new one as that one is no longer considered safe.
Also, if you go through insurance, you'll get a rental car while your car is being repaired.
Also, it won't affect your insurance at all since you're not at fault.
*hint**hint* - Go through insurance.
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Oct 7th, 2017 4:41 pm
This. And that only matters anyways if you plan on selling in the future. If you plan on driving the car until it dies I would get it repaired at the best place, not at his buddy's who will use cheap aftermarket parts that don't fit properly, off coloured, will leak when it rains, will rattle, etc...engineered wrote: ↑ Why or how he rear ended you is meaningless and only proves what moron he is to hit you. He was clearly texting and not paying attention and deserves to pay for his idiocy.
Can you post pics of the incident here for us to see?
With a damaged liftgate and bumper repairs will likely be between $2-8k and highly doubtful that this guy will pay. If you do decide to give him a chance, get a quote from a high quality shop of your choice. If he doesn't pay upfront right away, go directly to insurance. It won't affect your premiums but it will devalue you car.
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